Liability Insurance Minimums by State

Liability is required in all states and is defined as one's legal responsibility to pay for damages resulting from an accident be it a minor fender bender to a full blown wipeout.
If it is determined by the officers working an accident of yours that the incident was a result of your mistake or negligence, your liability insurance coverage pays for the other party's repairs to their car and medical expenses.
Minimum coverages are generally considered by insurance companies to be insufficient but then they are in the business of selling insurance. Most insurance professionals suggest the best liability limits to have are 100/300/100.
100,000 per person for bodily injury 300,000 per accident for bodily injury 100,000 per accident for property damage
In short, if you are a subpar driver with impaired faculties in a beater Escort wagon careening around Beverly Hills all day and night you may want to consider more than the minimum liability coverage. Here's the list:

* Alaska 50/100/25

* Alabama 20/40/10

* Arkansas 25/50/15

* Arizona 15/30/10

* California 15/30/5

* Colorado 25/50/15

* Connecticut 20/40/10

* Delaware 15/30/5

* Florida 10/20/10

* Georgia 15/30/10

* Hawaii 20/40/10

* Idaho 20/50/15

* Illinois 20/40/15

* Indiana 25/50/10

* Iowa 20/40/15

* Kansas 25/50/10

* Kentucky 25/50/10

* Louisiana 10/20/10

* Maine 50/100/25

* Maryland 20/40/10

* Massachusetts 20/40/5

* Michigan 20/40/10

* Minnesota 30/60/10

* Mississippi 25/50/25

* Missouri 25/50/10

* Montana 25/50/10

* Nebraska 25/50/25

* New Hampshire 25/50/25

* New Jersey 15/30/5

* New Mexico 25/50/10

* Nevada 15/30/10

* New York 25/50/10

* North Carolina 30/60/25

* North Dakota 25/50/25

* Ohio 12.5/25/7.5

* Oklahoma 10/20/10

* Oregon 25/50/10

* Pennsylvania 15/30/5

* Rhode Island 25/50/25

* South Carolina 15/30/10

* South Dakota 25/50/25

* Tennessee 25/50/10

* Texas 20/40/15

* Utah 25/65/15

* Virginia 25/50/20

* Vermont 25/50/10

* Washington 25/50/10

* Wisconsin 25/50/10

* West Virginia 20/40/10

* Wyoming 25/50/20

The first two numbers indicate bodily injury liability limits. The third number refers to the property damage liability limit. The first two numbers in 25/50/20 mean in an accident each injured person would receive a maximum of up to 25,000 with only 50,000 allowed per accident. The last number refers to the total coverage per accident for property damage which in this case would be 20,000.